Have it removed to be safe, but get a second opinion. Many of these doctors prey on fear so you'll agree to unnecessary testing and buy tubes of cream for 400 dollars that are produced in India for 1.45. This is how they stay competitive and get more revenue. Most "precancerous warts" are caused by HPV and aren't dangerous at all, and if it is a problem, you still want a second opinion to make sure the diagnosis is consistent.